International Journal of Technology (Dec 2020)
Development of Financial Service Methods for People with Dementia during Digitalization: A Partnership between Citizens and the Russian State
Abstract
There is a need to achieve complex quality services for people suffering from dementia based on significant reductions in the material and moral capabilities of the family and state in a limited period of time. A method of forming a personal fund is proposed, in which citizens can save their personal funds, and the state will provide quality services in case of illness. Data are presented about three groups of elderly people, whose representatives differ in terms of social activity and health status. It is substantiated that the third group, belonging to the retirement age (people aged 80–85), is burdened to the largest extent by medical and social-care problems, including the susceptibility to dementia. The paper analyzes the volume and structure of financial resources for treatment and presents a forecast of the burden on the able-bodied population of the country for the timely treatment and service of these persons. The proposed creation of citizens’ personal funds makes it possible to transfer the psychophysiological burden experienced by members of society with dementia to specially trained personnel in order to save their families money in the event of an insured event—dementia. This will reduce household costs, ensuring the provision of qualified, comprehensive, high-quality services that not just alleviate the condition of elderly people with dementia but also create guaranteed decent living conditions. The organic blending of this suggestion with the introduction of a new cumulative pension scheme (guaranteed retirement plan, GRP) that envisages numerous tax incentives and state guarantees can ensure the effective support of people with dementia. It will contribute to the fair distribution of responsibilities to finance the social services provided to dementia patients between the families and the state.
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